Whether you are considering continuing to grow your savings while reducing risk, creating a source of lifetime income or protecting and building a legacy for your loved ones, a fixed indexed annuity, like Nationwide New Heights® may help.

Select one of the options below to explore the New Heights® opportunity:

Important information

This material is not a recommendation to buy, sell, hold, or roll over any asset, adopt a financial strategy or use a particular account type. It does not take into account the specific investment objectives, tax and financial condition or particular needs of any specific person. You should work with your financial professional to discuss your specific situation.

What is a fixed indexed annuity?

A fixed indexed annuity is a contract you buy from an insurance company that provides the opportunity to earn interest based on the changes in an index such as the S&P 500® Composite Price Index. Regardless of index performance, indexed annuity contract values will not be impacted by negative index returns.

Please keep in mind:

A fixed indexed annuity is not a stock market investment and does not directly participate in any stock or equity investment

A fixed indexed annuity may be appropriate for those individuals who want the opportunity to capture upside potential while having a level of protection from market downturns

Lifetime income or an enhanced death benefit may be provided through the purchase of an optional rider for an additional cost. Lifetime income may be provided through annuitization at no additional cost1, and a base contract death benefit is available at no additional cost

Withdrawals taken before age 59½ may incur a 10% early withdrawal federal tax penalty in addition to ordinary income taxes; withdrawals may trigger surrender charges, reduce your death benefit and contract value and may also reduce any guaranteed lifetime withdrawal benefits

Guarantees and protections are subject to the claims-paying ability of the issuing company.

1 Annuitization begins on the Annuity Commencement Date, the first term end date on or after the oldest annuitant reaches age 100. This date cannot be changed unless state law prohibits such a restriction.

Annuities have limitations. They are long-term vehicles designed for retirement purposes. They are not intended to replace emergency funds, to be used as income for day-to-day expenses or to fund short-term savings goals. Please read the contract, product brochure, and Disclosure Summary for complete details.

Nationwide New Heights, an individual, single purchase payment, deferred fixed index annuity is issued by Nationwide Life and Annuity Insurance Company, Columbus, Ohio. Please note, the contract does not directly participate in any stock or equity investments. Withdrawals are subject to income tax, and withdrawals before age 59½ may be subject to a 10% early withdrawal federal tax penalty. Nationwide Life and Annuity Insurance Company, Columbus, Ohio 43215.